Digitalisation & Technology, 29 Oktober 2025

Masterphonebot: ERGO’s Blueprint for the Next Generation of AI

Audiogram with microphone symbol on a blue-black background.

ERGO is making waves in digital customer service with its latest innovation: the Masterphonebot. Handling over 12,000 calls every day, this advanced phonebot is more than just a virtual assistant — it’s a pivotal step towards ERGO’s ambition be the digital leader in the insurance industry, both in Germany and in its international core markets.

A tradition at ERGO is to give their bots human names — think “William”, “Kate”, or the “Henrys” from earlier generations. But this time, the name says it all. The Masterphonebot represents a quantum leap in capability, laying the foundations — or “DNA” — for future AI advancements.

From Push-Button Menus to Intelligent Assistance

The earliest phonebots were simple: “Press 2 for support.” The next generation was smarter, using speech recognition and a vocabulary of up to 1,000 terms to route customers to the right department. This ensured callers were usually connected to the right expert, but it still left much of the legwork to human agents.

Enter the Masterphonebot (Generation 3), which ups the ante by qualifying callers in advance. Customers are identified and authenticated via their insurance number, postcode, date of birth, and name — all before a human agent gets involved. When the call is handed over, the agent already has the customer’s details on screen, ready to help.

But the real innovation is behind the scenes. ERGO’s entire call volume now funnels through a single AI-driven platform, making the Masterphonebot the central gateway for all customer enquiries. This unified hub is ready to integrate future bots and generative AI solutions, promising ever-greater efficiency.

Quicker, Smarter Customer Service

Tobias Müller

We save valuable seconds per call with the help of the Masterphonebot. By passing on relevant information automatically, our agents can fully concentrate on the customer's concerns.

Tobias Müller Head of an Operations department at ERGO

This centralised AI platform also enables rapid scaling and roll-out of new features across different business areas. Routing is optimised, so callers reach the right employee straight away. Even better, for many routine queries — such as care aids, hearing aids, power of attorney, invoice submissions, and benefit status — the Masterphonebot can connect customers directly to self-service options. This frees up human agents to focus on more complex cases, speeding up response times and boosting customer confidence in ERGO’s services.

Staying Ahead in Digital Transformation

Portrait Nikolas Konnerth

Masterphonebot is a milestone on our digital transformation journey. It’s not just about modern, AI-powered customer communication — it’s about laying the groundwork for future generative AI innovations. This positions ERGO as a pioneer in digital customer interaction.

Nicolas Konnerth Head of Conversational AI

ERGO’s commitment to conversational AI has already set industry benchmarks, from the first insurance policy sold via Alexa to the latest advances with Masterphonebot. The pace of innovation is relentless — ERGO’s tech partner Cognigy was recently acquired for nearly a billion euros, underlining the market’s confidence in this space.

With competition intensifying and language models evolving rapidly (even before the rise of ChatGPT), ERGO is doubling down on developing phonebot technology. The future of customer service is digital, and ERGO is determined to stay at the forefront.

Text: Ronald Voigt


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